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Mortgage applications soar as refinances surge on a big rate drop – CNBC Lenders suddenly have a strong sales pitch, now that rates are significantly lower than they were a year ago, CNBC reported. The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances of $424,100 or less decreased to 4.19 percent from 4.20 percent, with points increasing to 0.40 from 0.34, including the origination fee, for 80 percent loan-to-value ratio loans.
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